Communication is the process through which we transfer information to each other. Although modern forms of communication have increased (emails, texts, letters, social media), connecting with each other is still at the foundation of our humanity. We just have to talk. Family communication, in particular, melds us together in profound and lasting ways. Without it,…

Divorcing later in life is becoming more commonplace among people 50 and over. Divorce among older couples has more than doubled since the 1990s. In 2015, 10 of 1,000 married people filed for divorce. Five of 1,000 married filed for divorce in 1990. The divorce rate for people 65 and older has tripled since 1990.[i]…

When you decide to get life insurance, you’re essentially looking beyond yourself. You understand that life insurance is necessary to protect your family after you’re gone. Sometimes, however, circumstances change, and you have to make changes to your policy to ensure your goals are achieved. Here are several matters to consider periodically if you have…

Financial fraud is, unfortunately, a common practice in America that costs individuals and businesses billions of dollars each year. Research shows that people often underreport financial fraud, which is difficult to investigate and prosecute.[i] As a result, staying aware of different scamming techniques is an important way to protect yourself and your family. Here are…

Can IRAs be used to benefit a charity? IRAs can be a great source of funds to provide a benefit for a favorite charity, but using these funds can create a number of traps that must be avoided in order to maximize benefits to both the charity and other IRA beneficiaries. 1. Name the charity…

They were the largest generation in American history. Their impact on American society still reverberates today. They were the forerunners of a cultural revolution that helped transform the nation and Western civilization. They are baby boomers, born between 1946 and 1964. The largest and most devastating global war in world history ended in August 1945,…

Developing a sound retirement strategy requires periodic reviews and analyses of projected income levels in order to maintain the lifestyle you envision. Annuities can serve as useful investments for retirees looking to generate guaranteed income. According to one investor poll, having a guaranteed income is a top priority of 56% of respondents.[i] Yet, most Americans…

Experts labeled the birth of more than 76 million babies between 1946 and 1964 the “baby boom.”[i] It was America’s largest generation, although Millennials are on the verge of overtaking boomers.[ii] More than 65 million are still living today with about 10,000 retiring per day.[iii] The youngest will turn 67, full retirement age, in 2031,…

As retirement approaches, many couples start thinking about moving. Nearly two-thirds say they plan to move or will move when they retire. Retirees consider moving for several reasons, including the financial benefits (smaller house) and to be closer to family (grandchildren, in particular). However, moving can get expensive and complicated. Here are some tips to…